Health Insurance for Handicapped: Compare Plans & Benefits Now

What is Disability?

Disability is a physical or mental condition that restricts the senses, movements and activities of a person. This impairment makes it difficult for the affected person to carry out certain activities and interact with other people. A disability may result due to conditions present from birth (congenital), resulting from injuries (accidental) and associated with developmental (mental) and longstanding conditions.

Which Disabilities are Covered by Health Insurance Plans in India?

Health insurance plans in India cover the following disabilities listed under The Rights of Persons with Disability Act, 2016:

Category 1	Category 2
Blindness	Chronic neurological conditions
Low vision	Locomotor disability
Leprosy cured persons	Muscular dystrophy
Specific learning disabilities	Multiple sclerosis
Hearing impairment (deaf or hard of hearing)	Thalassemia
Speech and language disability	Hemophilia
Intellectual disability	Sickle cell disease
Mental illness	Multiple disabilities, including deaf/ blindness
Autism spectrum disorder	Cerebral palsy
Acid attack victim	Parkinson's disease
Dwarfism

Who Can Buy Health Insurance for Handicapped?

People with at least one of the disability conditions listed under The Rights of Persons with Disability Act, 2016 can buy health insurance for handicapped in India. A person with at least 40% of the disability specified in the Act is qualified to buy this mediclaim insurance policy for handicapped person with a sum insured of ₹4 lakh and ₹5 lakh. Moreover, the applicant must have a valid disability certificate to apply for this policy.

Thus, health insurance for mentally challenged and physically handicapped people is available in India.

Why Should Disabled People Buy Health Insurance?

Here are some of the reasons why persons with disabilities must buy health insurance for disabled persons in India:

High Prevalence of People with Disabilities

A considerable part of the Indian population comprises of people with disabilities. According to the 2011 Census, around 2.68 crore people in India are suffering from disabilities. Such people have special medical needs that are often not covered by regular health insurance plans in India. With health insurance for disabled person, the health needs and medical expenses of so many people suffering from disabilities are covered.
Comprehensive Coverage for Handicapped People

In India, people suffering from 21 types of disabilities, such as hearing impairment, mental illness, blindness, autism, etc., are covered under medical insurance. Just like other people, persons with disabilities can also avail comprehensive coverage for a wide range of medical expenses, including hospitalization expenses, modern treatments, day care treatments, ambulance charges and pre-post hospitalization expenses, with health insurance for physically handicapped people.
Protection Against Medical Inflation

Medical inflation in India is at its peak, making healthcare expenses extremely expensive. With limited sources of income, it gets very challenging for handicapped people to afford quality treatment at the right time. Health insurance for persons with disabilities covers the cost of the required treatment without worrying about paying the bills.

List of Health Insurance Plans for Handicapped in India

Take a look at the list of health insurance plans for handicapped people in India below:

Health Insurance Plans for Handicapped People	Entry Age	Pre-policy Medical Check-up
Aditya Birla Ekam Suraksha Plan	Adult: 18 to 65 years Child: 1 day to 17 years	Required
Bajaj Allianz Nidaan Swasthya Bima Plan	Adult: 18 to 65 years Child: 1 day to 30 years	-
Care Saksham Plan	Adult: 18 to 65 years Child: 90 days to 17 years	May be required
Cholamandalam Divyang Bima Plan	Adult: 18 to 65 years Child: 1 day to 17 years	Not required up to 50 years
Digit Disability and HIV/AIDS Insurance Plan	Adult: 18 to 65 years Child: 1 day to 17 years	May be required
Future Generali HIV & Disability Suraksha Plan	Adult: 18 to 65 years Child: 1 day to 17 years	May be required
HDFC ERGO EquiCover Health Plan	Adult: 18 to 65 years Child: 1 day to 17 years	May be required
ICICI Lombard Special Shield Plan	Adult: 18 to 65 years Child: 1 day to 17 years	Not required up to 45 years
IFFCO Tokio Health Protector for Persons with Special Needs Plan	Adult: 18 to 65 years Child: 1 day to 17 years	May be required
Liberty Sampurna Swashraya Plan	Adult: 18 to 65 years Child: 1 day to 17 years	Required
Magma HDI Saksham Health Insurance Plan	Adult: 18 to 65 years Child: 1 day to 17 years	Required
ManipalCigna SecureHealth Plan	Adult: 18 to 65 years Child: 1 day to 17 years	Required
National Divyangjan Sanjeevani Plan	Adult: 18 to 65 years Child: 1 day to 17 years	Not required
New India Assurance Atmarnirbhar Health Plan	Adult: 18 to 65 years Child: 1 day to 17 years	Not required
Niva Bupa Empower Health Plan	Adult: 18 to 65 years Child: 1 day to 17 years	-
Oriental Saksham Swasthya Plan	Adult: 18 to 65 years Child: 1 day to 17 years	-
Raheja QBE Health Bharosa Plan	Adult: 18 to 65 years Child: 1 day to 17 years	May be required
Reliance Specially Abled Health Insurance Plan	Adult: 18 to 65 years Child: 1 year to 17 years	Required
Royal Sundaram Divyang Plus Plan	Adult: 18 to 65 years Child: 1 day to 17 years	-
SBI Divyang Suraksha Plan	Adult: 18 to 65 years Child: 1 day to 17 years	May be required
Star Special Care Gold Plan	Adult: 18 to 65 years Child: 1 day to 17 years	Not required
Tata AIG Model Policy for Persons with Disabilities and HIV/AIDS	Adult: 18 to 65 years Child: 1 day to 17 years	Required
United India Samaveshi Suraksha Health Insurance Plan	Adult: 18 to 65 years Child: 1 day to 17 years	Required
Universal Sompo Saksham Bima Plan	Adult: 18 to 65 years Child: 1 day to 17 years	May be required
Zuno Empower Health Plan	Adult: 18 to 65 years Child: 1 day to 17 years	-
Zurich Kotak Medishield Plan	Adult: 18 to 65 years Child: 1 day to 17 years	May be required

Inclusions of Health Insurance for Handicapped

Health insurance for disabled people provides coverage for the following:

In-patient hospitalization
Cataract treatment
Modern treatment
AYUSH treatment
Pre-hospitalization medical expenses
Post-hospitalization medical expenses
Day care treatments
In-patient dental treatments resulting from an injury or illness
Plastic surgery resulting from an injury or illness
Emergency ground ambulance

Optional Cover:

Waiver of Co-payment

Exclusions of Health Insurance for Handicapped

The following expenses are excluded from health insurance for handicapped in India:

Reconstructive or cosmetic surgery
Implantation of prosthesis or any other external or internal devices
OPD treatments and consultations
Consumables expenses
Dietary supplements and substances
Stem cell storage
Unproven treatments
Rehabilitation and respite care
Treatments taken outside India

FAQs

Q1. Can a handicapped person take health insurance?

Ans: Yes, a handicapped person can buy health insurance if he/she has a valid disability certificate for at least one of the disability conditions listed under The Rights of Persons with Disabilities Act, 2016. Moreover, they can also opt for health insurance for disabled persons by government as long as they fulfil the eligibility criteria.
Q2. Does health insurance cover permanent disability?

Ans: Yes. Health insurance for disabled person provides coverage for permanent disability.
Q3. Can I buy health insurance for a disabled child?

Ans: Yes. Parents can buy health insurance for a disabled child if he/she suffers from a disability condition listed under The Rights of Persons with Disabilities Act, 2016.
Q4. Are pre-existing disabilities covered by health insurance?

Ans: Yes. Health insurance for handicapped people covers pre-existing disabilities after a waiting period of 2 years. The plan also covers pre-existing diseases other than pre-existing disabilities after a waiting period of 3 years.
Q5. Does health insurance for the handicapped come with any co-payment?

Ans: Yes. Health insurance for disabled persons in India comes with a mandatory co-payment of 20% on all claims.

Health insurance companies

View more insurers

Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in